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Stand Insurance

AI-driven, physics-based wildfire risk insurance

Underwriter

UnderwritingConfirmed live in the last 24 hours
Full-timeChicago, IL, USA$81.6k - $102.8k /yrIn-person

About the Job

Requirements

  • At least 3 years of underwriting experience in personal lines; experience with high-net-worth or complex property risks is preferred.
  • Strong understanding of risk analysis, property and liability coverages, pricing, and compliance.
  • Track record of managing a profitable book while delivering excellent broker service.
  • Ability to negotiate quote terms with internal and external stakeholders and build and maintain collaborative relationships.
  • Efficient and effective desk management.
  • Proficiency in leveraging technology, quickly adapting to new platforms and tools, and identifying opportunities for process improvement.
  • Property and Casualty License or Excess and Surplus License.
  • Candidates must be authorized to work in the United States.

Responsibilities

  • Execute the underwriting strategy for a high-net-worth personal lines book, including complex homes, unique exposures, and catastrophe risks.
  • Work directly with brokers, marketing, mitigation, and engineering teams to evaluate complex risks, structure terms, and deliver a responsive carrier experience.
  • Develop creative, solution-oriented approaches to challenging catastrophe-exposed properties, unique collections, and non-standard liability exposures while maintaining sound risk selection.
  • Grow the assigned book to premium and policy targets while maintaining risk quality through appropriate terms and pricing, and maintain audit-ready underwriting files with clear documentation and rationale.
  • Reduce quote-to-bind time on complex risks through decisive communication and clear workflows, and improve broker satisfaction through responsive service.
  • Adopt and help refine underwriting tools and platforms; identify repeatable tasks to systematize and improve how risks are evaluated, priced, and serviced.
  • Make timely, independent decisions on complex submissions and follow through on underwriting decisions.

Desired Qualifications

  • CPCU or a similar designation, completed or in progress.
  • High-net-worth or complex property risk underwriting experience.

About the Company

Stand Insurance

AI-driven, physics-based wildfire risk insurance

Stand Insurance Solutions specializes in reducing property risk for high-value homes in wildfire-prone California by providing proactive protection and continuous monitoring. The company uses physics-driven insights and AI to craft tailored coverage and risk-reduction plans, supported by a dedicated team from Science, Underwriting, and Risk Management who work with local brokers, builders, and inspectors to develop comprehensive valuation proposals. Each property has a digital twin that delivers real-time alerts to guide mitigation actions while preserving property aesthetics. Stand partners with A-rated carriers and reinsurers and offers a low-friction experience with dedicated claims and risk-management support. The goal is to help homeowners lower climate-peril risk while simplifying insurance and maintaining property value.

Company size
51-200
Company stage
Series C
Total funding
$135M
Headquarters
San Francisco, CA
Founded
2024

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